Indiegogo is trying to answer crowdfunding’s biggest question: How do you get your money back if the product never materializes? Called Perk Insurance, the optional coverage will allow backers to receive a full refund — minus the cost of the insurance — if the perk is not delivered within a specified period of time after the estimated delivery date.

CEO Slava Rubin explained to TechCrunch that the company regularly develops and tests new product features. The pricing is part of that test. Indiegogo will provide the insurance itself. The company set aside $500,000 for the fund.